Bakersfield, CA - VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - California VA Lender & FHA Lender serving 

VanDyk Mortgage is your source for VA Loans and FHA Loans in Bakerfield. We have been making FHA, VA, Conforming, and Jumbo loans since 1987.  VanDyk Mortgage is a Direct Lender.  We offer many loan programs for Bakersfield Homebuyers and Kern County Homeowners to Purchase and refinance homes..

  • FHA Loans for Purchase and refinance
  • VA & VA Jumbo (aka High Balance) for Purchase and refinance
  • Conforming Loans for Loans for Purchase and refinance
  • Jumbo Loans to $3m

All info updated for 2019. Please call for details or questions. 866-900-2342 toll free.

Bakersfield FHA Loans are available up to $314,827 with just 3.5% down payment. The FHA 2019 Loan Limit for Bakersfield is $314,827. 

VA Loans are available in Bakersfield up to $484,350 with zero down payment. The Bakersfield VA Loan Limit in 2019 is $484,350.   However, Veterans are not limited to the Kern County VA Loan limit of $484,350 for VA Jumbo Loans.   We also offer VA Jumbo Loans up to $1.5 Million with the appropriate down payment or equity to reach the VA Guarantee requirements of 25%.   Here is one of our posts on how you can get a VanDyk VA Mortgage VA Loan over your county limit.

Bakersfield Conforming Loans are available up to $484,350.  Conforming purchase or refinance loans are available with a minimum of 3% down payment or equity for Bakersfield.

>> Call today to get started - 866-900-2342 Toll Free,  or online here:  Get Pre-Approved Now.

Bakersfield Home Loan information


FHA Home loans in Bakersfield, California:

    • FHA Home Loans require just 3.5% down payment
        • FHA Home Loans for Refinance available up to 97.75% Loan to Value
            • Bakersfield FHA Loans available up to $314,814
                • The $314,814 is the base loan amount - the Bakersfield FHA Loan Limit of $314,814 does not have to include the UFMIP (FHA's Upfront Mortgage Insurance Premium, which is usually financed into your loan amount)
                • This would allow you to purchase up to a $326K home in Bakersfield with 3.5% down.
                • The Seller can pay up to 6% of your closing and settlement costs.
                • Minimum score for a FHA Home Loan is just 580 
                • You can receive a gift of funds for your down payment and closing costs from Family
                • FHA Condominium requirements include at least a 51% owner occupancy ratio, no outstanding lawsuits against the Homeowners Association - call for details.
                • FHA Loans allow non-occupying co-borrowers such as parents and siblings.

                VA Home Loans in Bakersfield, California:

                • Active Duty Military and Veterans can both qualify
                • 100% financing up to $484,350
                • A $600K Bakersfield VA Home Purchase would only require $28,913 down payment (4.15%)
                • A $750k Bakersfield VA Home Purchase would only require $66,413 down payment (8.855%)
                • ~VA Loans require NO Mortgage Insurance
                • VA Loans do require a VAFF (VA Funding Fee), which is usually financed
                • Veterans with a 10% or higher VA disability pay no VA Funding fee
                • Sellers can pay up to 4% of the VA Buyers closing costs

                Conforming Home Loans in Bakersfield, California:

                • Bakersfield Conforming loans available up to $484,350
                • For Purchase and refinance
                • Conventional Loans with just 3% down payment or up to 97% LTV on Purchase loans up to $484K
                • Up to 97% Loan to Value on Refinances
                • Allow for condominiums, Second Homes, and investment properties
                • Call for details on Fico score requirements, down payment requirements, etc

                Give us a call at 866-900-2342 direct, ask for Brian Skaar to see if this is the right loan for you. Visit us on the web at

                VanDyk Mortgage has been making FHA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender. We are also a VA Lender and VA Jumbo Lender.

                Go with the Government Loan Pros, go with VanDyk. Visit us at or call Brian Skaar direct at 866-900-2342 for help with your FHA or VA loan. We offer FHAFHA JumboVA, VA Jumbo, Conforming & Jumbo Loans. VanDyk Mortgage offers FHA, VA, & Conventional loans in addition to FHA Jumbo, VA Jumbo, and Conforming Jumbo loans (aka FHA High Balance, VA High Balance, and Conforming High Balance).

                In addition to Bakersfield,  We service the entire state of California, including Redding, Sacramento, Bakersfield, Stockton, Oakland, San Francisco, Fremont, Clovis, Sunnyvale, Patterson, Modesto, Salinas, Palmdale, Lancaster, Los Angeles, Ventura, Santa Monica, San Bernardino, Riverside, Corona, Santa Ana, Orange, Irvine, Anaheim, Huntington Beach, Long Beach, Brea, Ventura, Santa Barbara, Monterey, Corona, Palm Springs, Indio, Temecula, Murrieta, San Diego, Chula Vista, Oceanside, Escondido, Vista, La Mesa, Santee, Santa Maria, Santa Clarita, San Clemente, Laguna, Aliso Viejo, Mission viejo, Rancho, Santa Margarita, Rancho Cucamonga, and more.  In addition to California,  we service the entire state ofWashington, including Spokane, Spokane Valley, Mead, Newport, Liberty Lake, Newman Lake, Airway Heights, Deerpark, SeattleTacomaEverett, Puyallup, Kent, Auburn, Bellevue, Federal Way, Kirkland, Redmond, Woodinville, Snohomish, Marysville, Lake Stevens, Mukilteo, Lynnwood, Montlake Terrace, Edmonds, Des Moines, Renton, Issaquah, North Bend, Monroe, Olympia, Lacey, Bremerton, Tumwater, Port Orchard, and Vancouver.

                VanDyk Mortgage is a VA Direct Lender (since 1987) offering VA Loans such as VA purchase loans, VA Streamline Refinance, VA IRRRL, VA Refinance Loans, VA Mortgages of all types. As a Direct Lender specializing in Government loans, VanDyk Mortgage is also a HUD Full Eagle FHA Direct Endorsement Underwriter, ie Direct Lender specializing in FHA Loans such as FHA Purchase loans, FHA Refinance, FHA Streamline Refinance, FHA loans, FHA Jumbo, FHA Jumbo Purchase, FHA Jumbo Refinance, FHA Jumbo Streamline Refinance, FHA High Balance, and FHA mortgages of all types. Visit us at to get started or just find out more

                Call us today to get started - 866-900-2342 Toll Free,  or online here:  Get Pre-Approved Now.